Hospital Cash Coverage
Even great Medicare coverage
has gaps.
Even with Medicare, hospital stays can still come with copays, deductibles, and daily expenses. And those costs can add up quickly during recovery.
This plan adds up to $600/day in cash, paid directly to you, to cover what Medicare doesn't.
- Works alongside most Medicare Advantage & Supplement plans
- Cash paid directly to you, not a reimbursement
- Helps cover out-of-pocket costs and daily expenses
Simple to understand. Easy to use when you need it.
Cash. No network, no hassle.
Benefits paid directly to you, not to a hospital or provider. Use the money any way you need.
Available ages 18–85
Open to nearly everyone. Short health questionnaire required. Guaranteed issue for ages 64½–65½. Pre-existing condition exclusion applies for first 6 months.
Guaranteed renewable
Can't be canceled as long as you pay premiums. Rates may change by class with 31 days notice.
Underwritten by Heartland National
Heartland National Life Insurance Company. Policy form 93017. Currently available in Arizona, more states coming soon.
Common questions
Straight answers
Does this replace health insurance?
No, and we'll be upfront about that. This is a supplemental plan that pays you cash when you're hospitalized. It is not major medical insurance, doesn't pay providers directly, and doesn't satisfy ACA minimum essential coverage requirements. What it does: puts cash in your hands fast when an unexpected hospital event would otherwise wreck your finances.
Who is this actually a good fit for?
This plan is designed for people who already have Medicare coverage, and still have real financial exposure when they end up in the hospital.
On Medicare Advantage? Your plan covers a lot, but most MA plans have per-day hospital copays of $300–$500 for the first several days, plus an annual out-of-pocket maximum between $4,000 and $8,850 in 2026. A serious hospitalization can push you toward that ceiling fast, and that's before you account for anything outside the medical bill.
On a Medicare Supplement? Plan G and similar plans close most of the clinical gaps, but they don't touch the costs that show up around a hospital stay, lost income if you're still working, a spouse traveling to be with you, rent or utilities that don't pause while you recover. Those are real costs that no supplement plan covers.
The difference with this plan: Your Medicare coverage pays the hospital. This plan pays you, up to $600/day in cash, directly, with no restrictions on how you use it. It's not filling a gap in your Medicare plan. It's covering everything your Medicare plan was never designed to cover.
If you're between 64½ and 65½, you qualify under a guaranteed-issue window, no health questions required for the base plan.
On Medicare Advantage? Your plan covers a lot, but most MA plans have per-day hospital copays of $300–$500 for the first several days, plus an annual out-of-pocket maximum between $4,000 and $8,850 in 2026. A serious hospitalization can push you toward that ceiling fast, and that's before you account for anything outside the medical bill.
On a Medicare Supplement? Plan G and similar plans close most of the clinical gaps, but they don't touch the costs that show up around a hospital stay, lost income if you're still working, a spouse traveling to be with you, rent or utilities that don't pause while you recover. Those are real costs that no supplement plan covers.
The difference with this plan: Your Medicare coverage pays the hospital. This plan pays you, up to $600/day in cash, directly, with no restrictions on how you use it. It's not filling a gap in your Medicare plan. It's covering everything your Medicare plan was never designed to cover.
If you're between 64½ and 65½, you qualify under a guaranteed-issue window, no health questions required for the base plan.
Are pre-existing conditions covered?
There's a 6-month waiting period for pre-existing conditions, defined as conditions for which you received treatment or medical advice in the 6 months before your effective date. After 6 months, those conditions are covered like anything else. Some serious conditions identified in the health questionnaire will result in a declined application.
How does the cash actually get paid to me?
You file a claim after your hospital discharge. Heartland National processes it and sends payment directly to you, not to the hospital. No network requirement, no pre-authorization needed. Use the cash for your deductible, your mortgage, groceries, whatever you need.
I already have health insurance. Does this still make sense?
Often yes, especially if your deductible is $2,000 or higher. A 5-day hospital stay could cost you that entire deductible before your insurance pays a dollar. This plan pays you cash on top of whatever your primary insurance covers, it doesn't reduce your other benefits or conflict with existing coverage.
What states is this available in?
Currently available in Arizona. Additional states are being added, contact us to find out if your state is available yet.
Does this replace my Medicare plan, or affect my current coverage?
No on both counts. This is a separate supplemental plan that sits alongside your Medicare coverage. It does not replace Medicare, Medicare Advantage, or any supplement plan you already have. It has no effect on your existing benefits, your premiums, or your enrollment status. It simply adds a cash benefit that pays you directly when you're hospitalized.
How are benefits paid?
After you're discharged, you file a claim with Heartland National Life Insurance Company. Once processed, the benefit is paid directly to you as cash, not to the hospital or any provider. There's no coordination with Medicare required, and no pre-authorization needed before your stay. Most claims are paid within a few business days of approval.
Designed to work alongside your existing Medicare coverage, not replace it.
Up to $600/day paid directly to YOU.
Works alongside your Medicare plan. No restrictions on how you spend it.
Ready to get covered?
Takes about 2 minutes. Tell us what you're looking for and a licensed Elevate Insured advisor will reach out, no pressure, no jargon.
Secure Advantage Flex Hospital Indemnity · Underwritten by Heartland National Life Insurance Company · Policy form 93017 (or state equivalent) · This is a limited benefit health policy and is not a substitute for hospital or medical expense insurance, a health maintenance organization (HMO) contract, or major medical expense insurance. Benefits, limitations, and exclusions apply and vary by state. Pre-existing condition exclusion applies. Always read your outline of coverage. This is a solicitation of insurance. A licensed insurance agent may contact you.